The Consumer Credit Protection Act of 1968 (CCPA) was a piece of American legislation passed in an effort to guarantee American citizens honest and fair credit practices in their interactions with banks. Workers are not allowed to be terminated from their jobs because of garnishments for a single incident of debt. However, two or more do give employers grounds to terminate someone’s employment. As credit reporting and banking have evolved over the years, more laws have been passed and placed under the CCPA in keeping with the intent of the original legislation to protect consumers. Among the more prominent of additions are the Fair Credit Reporting Act, the Truth in Lending Act, the Electronic Fund Transfer Act, the Equal Credit Opportunity Act and the Fair Debt Collection Practices Act.
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